Oracle Banking Digital Experience

Transcription

1 Oracle Banking Digital Experience FCUBS Originations Saving Account User Manual Release Part No. F December 2018

2 Preface FCUBS Originations Saving Account User Manual December 2018 Oracle Financial Services Software Limited Oracle Park Off Western Express Highway Goregaon (East) Mumbai, Maharashtra India Worldwide Inquiries: Phone: Fax: Copyright 2018, Oracle and/or its affiliates. All rights reserved. Oracle and Java are registered trademarks of Oracle and/or its affiliates. Other names may be trademarks of their respective owners. U.S. GOVERNMENT END USERS: Oracle programs, including any operating system, integrated software, any programs installed on the hardware, and/or documentation, delivered to U.S. Government end users are commercial computer software pursuant to the applicable Federal Acquisition Regulation and agency-specific supplemental regulations. As such, use, duplication, disclosure, modification, and adaptation of the programs, including any operating system, integrated software, any programs installed on the hardware, and/or documentation, shall be subject to license terms and license restrictions applicable to the programs. No other rights are granted to the U.S. Government. This software or hardware is developed for general use in a variety of information management applications. It is not developed or intended for use in any inherently dangerous applications, including applications that may create a risk of personal injury. If you use this software or hardware in dangerous applications, then you shall be responsible to take all appropriate failsafe, backup, redundancy, and other measures to ensure its safe use. Oracle Corporation and its affiliates disclaim any liability for any damages caused by use of this software or hardware in dangerous applications. This software and related documentation are provided under a license agreement containing restrictions on use and disclosure and are protected by intellectual property laws. Except as expressly permitted in your license agreement or allowed by law, you may not use, copy, reproduce, translate, broadcast, modify, license, transmit, distribute, exhibit, perform, publish or display any part, in any form, or by any means. Reverse engineering, disassembly, or decompilation of this software, unless required by law for interoperability, is prohibited. The information contained herein is subject to change without notice and is not warranted to be error-free. If you find any errors, please report them to us in writing. This software or hardware and documentation may provide access to or information on content, products and services from third parties. Oracle Corporation and its affiliates are not responsible for and expressly disclaim all warranties of any kind with respect to third-party content, products, and services. Oracle Corporation and its affiliates will not be responsible for any loss, costs, or damages incurred due to your access to or use of third-party content, products, or services.

3 Preface Table of Contents 1. Preface Intended Audience Documentation Accessibility Access to Oracle Support Structure Related Information Sources Transaction Host Integration Matrix Savings Account Application Offer List Orientation Page Applicant Profile Details Primary Information Proof of Identity Contact Information Employment Information Features and Specifications Fund Your Account Document Upload Review and Submit Submitted Application Confirmation Register User Cancel Application Save for Later Existing User Application Tracker Submitted Application Savings Account Savings Account Application Tracker Details Documents... 41

4 Preface 1. Preface 1.1 Intended Audience This document is intended for the following audience: Customers Partners 1.2 Documentation Accessibility For information about Oracle's commitment to accessibility, visit the Oracle Accessibility Program website at Access to Oracle Support Oracle customers have access to electronic support through My Oracle Support. For information, visit or visit if you are hearing impaired. 1.4 Structure This manual is organized into the following categories: Preface gives information on the intended audience. It also describes the overall structure of the User Manual. Introduction provides brief information on the overall functionality covered in the User Manual. The subsequent chapters provide information on transactions covered in the User Manual. Each transaction is explained in the following manner: Introduction to the transaction Screenshots of the transaction The images of screens used in this user manual are for illustrative purpose only, to provide improved understanding of the functionality; actual screens that appear in the application may vary based on selected browser, theme, and mobile devices. Procedure containing steps to complete the transaction- The mandatory and conditional fields of the transaction are explained in the procedure. If a transaction contains multiple procedures, each procedure is explained. If some functionality is present in many transactions, this functionality is explained separately. 1.5 Related Information Sources For more information on Oracle Banking Digital Experience Release , refer to the following documents: Oracle Banking Digital Experience Licensing Guide Oracle Banking Digital Experience Installation Manuals

5 Transaction Host Integration Matrix 2. Transaction Host Integration Matrix Legends NH No Host Interface Required. Pre integrated Host interface available. Pre integrated Host interface not available. Sr No. Transaction Name / Function Name Oracle FLEXCUBE Core Banking Oracle FLEXCUBE Universal Banking Oracle FLEXCUBE Universal Banking Oracle FLEXCUBE Universal Banking Oracle Banking Platform Saving Account Application Submission * Oracle Banking Digital Experience (patch set 1) is integrated with Oracle FLEXCUBE Universal Banking

6 Savings Account Application 3. Savings Account Application A savings account is an interest-bearing deposit account held at a bank or in a financial institution that yields a modest interest. The savings account application enables customers to apply for a savings account by providing minimal personal details. As an applicant, you are also provided with the option to customize your account by adding features such as debit card, cheque book, etc. The application tracker has been built so as to enable tracking of the application once it is submitted. The application tracker also enables the applicant to retrieve and complete an application that has been saved. Savings Workflow Following are the steps involved in the account application submission: Applicant Information: The applicant information sections consist of details such as basic personal information, identity, contact, and employment information of the applicant. Features and Specifications: In this section, you can customize your account by defining your preferences related to features provided against the account including debit card, cheque book and account statement. Account Funding: This section is enabled for existing customers i.e. for an applicant who has previously applied for and holds an account with the bank. As an existing customer, you will be provided with the option to fund the account you are applying for, through own account transfer i.e. you can select any of your existing current or savings accounts by which to fund the initial deposit of the new account. Document Upload: You might be required to provide documents supporting various proofs i.e. proof of identity, address proof, etc. that you have defined as part of the application. This feature enabled you to upload documents supporting these proofs. You can upload multiple documents against a document type. Review and Submit: This section displays the summary of the application. You can verify details submitted as part of the application and can modify any if required.

7 Savings Account Application Confirmation: This section displays a message confirming that the application has been submitted along with details on and additional steps that might be required to be taken by the applicant or the bank. All the sections defined above, apart from Review and Submit and Confirmation, will be displayed in the order defined specifically for Savings Account applications by the bank administrator in the workflow configuration screen: Note: The process type used for integration with UBS is BPEL. How to reach here: Dashboard > Savings Accounts To apply for a savings account: Select Savings on the product showcase screen. 3.1 Offer List Savings Account Click on the Apply option available on the desired offer card. The Orientation screen of the specific savings account offer is displayed containing details informing the applicant about the steps involved in the application, details required for application and eligibility criteria.

8 Savings Account Application 3.2 Orientation Page Click Continue, if you are a new/unregistered user. OR Click Login if you are a registered user. For more information on the application of an existing user, view the Existing User section. OR Click Cancel to abort the application process. The section defined as the first in the workflow configuration screen will be displayed.

9 Savings Account Application 3.3 Applicant Profile Details The sections of the application form are displayed on this page. You can start entering information in each section starting with the section that is displayed first depending on the workflow configuration maintained by the bank administrator for savings account applications.

10 Savings Account Application 3.4 Primary Information Field Salutation First Name Middle Name Last Name Select the salutation/title applicable to you. Examples of salutation are Mr., Mrs., Dr. etc. Enter your first name. Enter your middle name. This field is optional. Enter your last name.

11 Savings Account Application Date of Birth Gender Marital Status Dependents Nationality Permanent Resident Specify your date of birth. The system validates your date of birth so as to identify whether you have attained age of majority. Select your gender. Select the applicable marital status from the list. The options are: Married Remarried Divorced Separated Single Spouse Expired Specify the number of people dependent on you. Select your country of nationality. Specify whether you are a permanent resident in the country in which you are applying for the account. Click Continue. The next section is displayed.

12 Savings Account Application 3.5 Proof of Identity In this section specify details of your passport that can serve as proof of identity. The details include your passport number, the date of issue and expiration date.

13 Savings Account Application Field Passport Number Issue Date Expiration Date Enter your passport number. Enter the date on which your passport is issued. This date can be found printed on your passport. Enter the date on which your passport will expire. This date can be found printed on your passport. Click Continue to save the identification information. The next section is displayed.

14 Savings Account Application 3.6 Contact Information In the contact information section enter contact details encompassing your address, phone numbers and permanent residential address as well as mailing address.

15 Savings Account Application Field Please confirm your ID Enter your address. Re-enter your ID to confirm the same. Phone Number Phone Type Phone Number Add an additional phone number? Phone Type Phone Number Select the phone number type that you want to define. The options are: Personal Mobile Personal Landline Work Landline Enter your phone number corresponding to the selected phone type. You can select Yes if you want to add an additional phone number. It is not mandatory to add an additional phone number. Type of phone number that is being added. The options available will be all the phone types other than the one selected in the previous phone type field. This field is displayed if you select Yes in the Add an additional phone number field. Enter the phone number corresponding to the selected phone type. Permanent Residence Country Address 1-2 City Zip Code Enter the name of the country in which you reside on a permanent basis. Enter your Address details. Enter the name of the city in which you reside on a permanent basis. Enter your zip code.

16 Savings Account Application Accommodation Type Is your mailing address the same as above? The type of accommodation in which you reside on a permanent basis. The accommodation types are: Self Owned Company Provided Other Specify whether your mailing address is same as that of your permanent address. If you select option No, you will be required to enter your mailing address. Mailing Address The following fields appear if you select the option No against the Is your mailing address the same as above? field. Country Address Line 1-2 City Zip Code Select the country of your mailing address. Enter details of your mailing address. Enter the name of the city of mailing address. Enter the zip code of your mailing address. Click Continue to save the contact information. The next section is displayed.

17 Savings Account Application 3.7 Employment Information In this section enter details of your current employment. Field Employment Type Company or Employer Name Select the type of your current primary employment. The types are: Full Time Permanent Full Time Temporary Part Time Self Employed Retired Pensioned Retired Non Pensioned Unemployed Other Select the name of the company or firm at which you are employed. This field is displayed if you have selected Full Time Permanent, Full Time Temporary, Employed, Part Time or Self Employed from the Employment Type list. Click Continue to save the employment information. The next section is displayed.

18 Savings Account Application 3.8 Features and Specifications This section enables you to enhance the features of the account you are applying for. You are able to specify options regarding debit card, cheque book and account statement. Field Debit Card Name on Card Card Type This option enables you to specify whether you would like to avail of the debit card facility or not. This option will be enabled only if this feature is provided for the savings account offer you are applying for. The options available for selection are Yes and No. Enter your name as you would like it embossed on the card. This field is enabled only if you select the option Yes against the Debit Card field. Select the type of debit card you would prefer from the list of different debit card types on offer by the bank for the specific savings account. This field is enabled only if you select the option Yes against the Debit Card field.

19 Savings Account Application Cheque Book Number of Leaves Account Statement Statement Frequency This option enables you to specify whether you would like to apply for a cheque book or not. This option will be enabled only if this feature is provided for the savings account offer you are applying for. The options are Yes and No. Select the number of leaves you would like your cheque book to have. This field is enabled only if you select the option Yes against the Cheque Book field. This options are: Cheque book with 10 leaves. Cheque book with 20 leaves. Cheque book with 50 leaves. Cheque book with 100 leaves. This option enables you to specify whether you would like to receive regular account statements. This option will be enabled only if this feature is provided for the savings account offer you are applying for. The options are Yes and No. Select the frequency at which you would like to receive account statements. The options are: Semi-Annual Quarterly Monthly Annual Fortnightly Weekly Daily Click Continue. Click next section is displayed.

20 Savings Account Application 3.9 Fund Your Account This section is part of the application if you are an existing (registered) user. In this section, you are required to specify the options by which to fund your account. You can either select any existing savings or current account that you hold with the bank or can also opt to fund the account later. Field Please select your method of payment Initial Deposit Amount Indicates the option to fund your account. The account funding options are: I will transfer funds from another account with the bank I will fund my account later. The amount you wish to have deposited in your account. This field appears if you select the option, I will transfer funds from another account with the bank. You are not required to specify this amount if you select the option I will fund my account later.

21 Savings Account Application Account Number Select this option if you wish to transfer funds from your savings or current account held with the bank. This field appears if you select the option I will transfer funds from another account with the bank.

22 Savings Account Application 3.10 Document Upload Through this screen you can upload documents serving as various proofs which are required for the processing of your application. You can navigate to this screen by selecting the provided icon on the application. To upload a document: Click on the icon. Click on the Attach Document link provided against a document type in order to upload the supporting document. Document Upload Field Attach Document On selecting this link, the browse option is opened, by which you can select the required file to upload. Click Save and Continue to upload the attached documents and to continue with the application process.

23 Savings Account Application 3.11 Review and Submit All the information that you have entered in the application is displayed on the Review and Submit screen. You can verify that all the information provided by you is correct and make any changes if required. Contact Information Proof of Identity

24 Savings Account Application Employment Information Features and Specifications Fund Your Account

25 Savings Account Application Documents Click against any section heading to edit the details of that section. Once you have verified all the information, click Submit. The screen confirming application submission will be displayed which will contain the application reference number and any additional steps that might need to be undertaken by you or the bank. Note: The process type used for integration with UBS is BPEL.

26 3.12 Submitted Application Confirmation The confirmation page is displayed once you have submitted your application. This page displays the current status of your application along with details of any further steps that might be required to be taken. The application reference number, by which you can track the status of your application, is also displayed on this page. Additionally, the option to track the application is also provided on this page. If as per the configuration, registration is not mandatory, and if you have not already registered, the option to register will also be available on this screen. If the applicant who has filled in the application details is not a registered channel user and if registration is not mandatory, the option to register for channel access will be available on this page. Click Register. OR Click Go to Homepage to navigate to the application dashboard screen. OR Click Track your Application in order to be navigated to the application tracker.

27 3.13 Register User Register User Field Define Login Credentials Confirm Verify Password Enter the ID with which you would like to register. To confirm the ID, re-enter the ID entered in the field. Click on this link to verify the ID entered. A unique security code will be sent to the address defined and a pop up window will be opened in which you can verify the ID by entering the security code in the specified field. Enter a password to be used for the purpose of registration. You will be required to enter this password when you login to the system in the future.

28 Confirm Password To confirm the password re-enter the password entered in the Password field. Set Security Questions Skip set up of security questions? Security Question Answer Through this option, you can opt to skip setting up security questions at the time or registration. The options are: Yes No By default the option No will be selected and the security question and answer fields will be displayed. If you select the option Yes, identifying that you wish to skip set up of security questions, the security question and answer fields will be disabled and hidden. Select a question to be assigned as a security question. The security questions will be numbered, e.g. Security Question 1, Security Question 2 and so on. The number of security questions and answers available will be dependent on the number configured by the bank administrator. Specify an answer for the selected security question. The fields in which you can specify answers to selected security questions will be displayed below each security question and will be numbered, e.g. Answer 1, Answer 2 and so on. Terms and Conditions I have read, fully understood and agreed with the terms and conditions Terms and Conditions Link Select this checkbox to acknowledge agreement to the terms and conditions of registration for online banking access. Click this link to view the terms and conditions. To register: In the field, enter the address. To confirm enter the ID in the Confirm field. Click the Verify link to verify the entered address.

29 a. In the Verification Code field, enter the verification code sent on the defined ID. b. Click Resend Code, if the code is not received. c. Click Submit. The successful verification message is displayed. In the Password field, enter the password required for log-in. To confirm enter the password in the Confirm Password field. From the security question list, select a question to be added in your security question set. In the answer field, enter an answer for the selected security question. If you do not want to set security questions currently, select the option Yes against the Skip set up of security questions field. Click the Terms and Conditions link to view the terms and conditions. Select the Terms and Conditions check box to acknowledge agreement to the terms and conditions. Click Register/Submit Application to register. The button to register will be termed Register if registration is non mandatory and the user has navigated to the registration screen from the confirm screen. If registration is mandatory, this screen will be displayed once the user has filled out the application form and is proceeding to submit it, hence the button will be Submit Application. Or Click Cancel Application to cancel the application. Or Click Return to Application. Verification

30 Verification Code Enter the security code sent to the ID you have defined in the registration screen. Click Submit to submit the verification code. On successful verification, a message stating that verification has been completed successfully will be displayed. OR Click Resend Code if you wish the system to send you a different security code. OR Click Cancel to close the screen and return to the registration screen. Register User - Confirm Click Track Application to navigate to application tracker to view the applications status. OR Click Go To Homepage to navigate to the product showcase.

31 3.14 Cancel Application The option to cancel the application is provided throughout the application and you can opt to cancel the application at any step. To cancel the application: Click Cancel. The cancel application screen is displayed. You will be able to select a reason for which you are cancelling the application. Click Cancel and Exit. The application is cancelled. Field Reason for Cancelling Please Specify Indicate the reason for which you are cancelling the application. This is an optional step. The cancellation reason could be: Having difficulty in completing the application form Not enough time I will complete it later Need more product details Made a mistake in product selection Others This field is displayed if you have selected the option Others as Reason for Cancelling. Enter the reason for which you are cancelling the application in this field.

32 Select the appropriate reason for which you are cancelling the application. Click Cancel and Exit to cancel and exit the application. A message confirming that the application has been cancelled is displayed. OR Click Return to Application to return to the application. Application Cancelled Click Go to Homepage to navigate back to the product showcase page.

33 3.15 Save for Later The following scenarios are applicable for save for later. If the applicant is a registered user and he/she is already logged in then the applicant will be displayed a confirmation page indicating submission saved successfully. If the applicant is a new user i.e. who is not registered for channel access, then he/she will be required to register while saving the application. The following steps are involved in the process of saving an application in this scenario. All saved applications will be available in the application tracker under the In Draft tab. You can select any application to resume the application submission process. To save an application: 1. Click Save for Later. The Save and Complete Later screen appears. Save and Complete Later Field

34 Confirm Verify Password Confirm Password Enter the ID with which you would like to register To confirm the ID re-enter the ID entered in the field. Click on this link to verify the ID entered. A unique security code will be sent to the address defined and a pop up window will be opened in which you can verify the ID by entering the security code in the specified field. Refer the Verify sub section under section Register User for further information on verification. Enter a password to be used for the purpose of registration. You will be required to enter this password when you login to the system in the future. To confirm the password re-enter the password entered in the Password field. Set Security Questions Skip set up of security questions? Security Question Answer Through this option, you can opt to skip setting up security questions at the time or registration. The options are: Yes No By default the option No will be selected and the security question and answer fields will be displayed. If you select the option Yes, identifying that you wish to skip set up of security questions, the security question and answer fields will be disabled and hidden. Select a question to be assigned as a security question. The security questions will be numbered, e.g. Security Question 1, Security Question 2 and so on. The number of security questions and answers available will be dependent on the number configured by the bank administrator. Specify an answer for the selected security question. The fields in which you can specify answers to selected security questions will be displayed below each security question and will be numbered, e.g. Answer 1, Answer 2 and so on. Terms and Conditions

35 I have read, fully understood and agreed with the terms and conditions Terms and Conditions Link Select this checkbox to acknowledge agreement to the terms and conditions of registration for online banking access. Click this link to view the terms and conditions. The following steps are applicable for cases wherein the applicant is not a registered user: In the field, enter the address. To confirm enter the ID in the Confirm field. Click the Verify link to verify the entered address. a. In the Verification Code field, enter the verification code sent on the registered ID. b. Click Resend Code, if the code is not received. c. Click Submit. A message stating that the ID has been verified successfully is displayed. In the Password field, enter the password required for log-in. To confirm enter the password in the Confirm Password field. From the security question list, select a question to be added in your security question set. In the answer field, enter an answer for the selected security question. If you do not want to set security questions currently, select the option Yes against the Skip set up of security questions field. Click the Terms and Conditions link to view the terms and conditions. Select the Terms and Conditions check box to acknowledge agreement to the terms and conditions. Click Save Application. OR Click Cancel Application to cancel the application. OR Click Return to Application to navigate to the application screen.

36 Save and Complete Later Click Track your Application to navigate to the application tracker to view the application status. OR Click Go to Homepage to navigate to the product showcase Existing User An application form being initiated by an existing user (registered user) will differ from that of one being initiated by a new/unregistered user. If you are applying for a savings account product as an existing user, once you login to the banking system after having entered your login credentials, the application form will be displayed with all your personal details pre-populated in the respective fields and sections. You will, hence, be required to only specify details pertaining to the savings account. The sections that will be pre-populated with your information are Primary Information, Proof of Identity, Contact Information and Employment Information. Home

37 Application Tracker 4. Application Tracker The Application Tracker enables you to view the progress of submitted applications and also to retrieve and complete applications that have been saved. Through the application tracker you can perform the following actions: View submitted applications: The application tracker enables you to view details of submitted application which includes viewing status history, application summary and uploaded documents as well as performing any pending tasks required for the processing of the application. View applications in draft: While filling out an application form, if you opt to save the application instead of submitting it, the application is saved in the application tracker as an In Draft application. You can select any of the applications available under this tab in order to complete and submit that application. To track an application: Click Track Application on the dashboard. The Login screen is displayed. Enter the registered ID and password, click Login. The Application Tracker screen is displayed. By default the submitted application view is displayed.

38 Application Tracker 4.1 Submitted Application Savings Account The following details are displayed on a savings account application card under the Submitted tab of the application tracker page. On clicking on a specific card, the details page of that card appears. However, once an application has been completely processed, the card will no longer be clickable. Field Savings account Offer Name Application ID Applicant Name Submitted On Status The name of the offer for which the application has been made. The application reference number as generated by the bank at the time the application was submitted. The name of the applicant be displayed here. The date on which the application was submitted. The current status of the application.

39 Application Tracker Account Number The account number, once generated, is displayed here. This account number is only displayed once the application is successfully processed to completion. Select the application card. The Application Details screen is displayed with options to view additional details of the application and pending tasks, if any

40 Application Tracker 4.2 Savings Account Application Tracker Details Field Savings account Offer Name Application ID Applicant Name Submitted On Status The name of the offer for which the application has been made. The application reference number as generated by the bank at the time the application was submitted. The name of the applicant be displayed here. The date on which the application was submitted. The current status of the application. Click on Documents to view documents that have been uploaded in the application form.

41 Application Tracker 4.3 Documents This section displays the documents that are uploaded in the application form. Field Document Category All the categories under which documents have been uploaded are listed on the screen below which the document type and link of each uploaded document are displayed. Document Type The document type against which the documents have been uploaded are listed below each document category to which they belong. Document The names of the uploaded documents as well as the links by which you can view and download each document are displayed.

42 FAQs I am an existing customer of the bank but do not have channel access, how can I proceed? You can register yourself as a channel user through the Register option available on the portal page and provide the required details. Can I proceed with the application if I am not an existing channel user? Yes. You can continue filling in the application details as a guest user and need not necessarily login. Why do you require the expiry date of my identity proof? We ask for the expiry date of your identity proof to ensure that you are providing us with a valid proof of identity, one that is currently not expired. Home User Manual Oracle Banking Digital Experience FCUBS Originations Saving Account 42